Research On Existing Problems And Countermeasures Of Pension Insurance Fund Supervision In X City

With the development of society and the improvement of aging population,our economy has gradually entered a steady medium-low speed growth,and the sustainable development of the endowment insurance system has become the focus of the whole society.X City is a large agricultural city in Central Jiangsu Province.With the popularization of basic endowment insurance,the coverage of insured people has been very large.If we do not pay attention to the security of the pension fund and do not quickly establish a perfect regulatory system,the sustainable development of the pension fund will be greatly affected,which may lead to a series of social contradictions and social unrest.How to effectively supervise the pension fund and prevent and resolve the risk of pension fund management has become an urgent problem for X City to solve.This paper takes the existing problems and countermeasures of pension insurance fund supervision in X City as the research topic,takes public goods theory,principal-agent theory,information asymmetry theory as the theoretical basis,and uses literature research method,field investigation method,case study method and other research methods to conduct in-depth and systematic research on this.Firstly,the background and significance of the research are expounded.The research status at home and abroad is introduced.Research content,method and technical route;The concept of pension fund and pension fund supervision is defined,and the public goods theory and other related theories are introduced.Secondly,it introduces the general situation of X City pension fund from the situation of basic endowment insurance participation,basic endowment insurance income and expenditure.The present situation of pension insurance fund supervision in X City is introduced from three aspects:regulatory organization,regulatory content and regulatory methods.This paper summarizes the effect of pension insurance fund supervision in X City from three aspects:the gradual establishment of the fund supervision system,the initial control of some violations,and the construction of the fund verification information platform.The paper analyzes the problems and causes of pension insurance fund supervision in X City.The problems are not perfect regulatory institutions,there are many loopholes in the content of regulation,the way of supervision lags behind,internal and external supervision is not in place,and so on.The reasons for the problems are analyzed from four aspects,such as the small number of supervisory personnel,the imperfect internal control system,the low degree of informatization,and the excessive reliance of supervision on administrative supervision means.Finally,it introduces the supervision experience of pension insurance funds in the United States and Germany and summarizes the enlightenment.This paper introduces the supervision experience of endowment insurance fund in Zibo City and Dongtai City and summarizes the enlightenment.On this basis,it puts forward suggestions to improve the organizational system and talent team,realize the full coverage of fund supervision,establish diversified supervision methods,and improve internal and external supervision.Through the research,it can provide theoretical guidance for the supervision of pension insurance fund in X City,put an end to all violations of the appropriation of pension insurance fund,ensure its safety and integrity,and maintain the vital interests of every insured personnel,but also help to enrich and improve the theory of pension insurance fund supervision.